Why Speaking to Dave Cockle Could Be the Difference Between Getting a Mortgage… or Not (And no it’s not just his good looks)
When you’re self-employed or have a complex income setup, applying for a mortgage can feel like trying to solve a Rubik’s cube in the dark. That’s where someone like Dave Cockle, our Self-Employed & Complex Income Specialist, can make all the difference.
Sure, you could go to a standard broker or adviser. But here’s the thing: not all brokers are equipped to handle non-standard income cases. Many are great at helping salaried applicants with neat payslips and tidy tax codes, but throw in dividends, directors’ loans, fluctuating profits, or multiple income streams… and that’s when the cracks can show.
Why Dave?
Dave gets it. He doesn’t just skim the surface of your income, he knows where to look, how to present it, and which lenders are more flexible and understanding of your situation. Whether you’re a sole trader, a limited company director, working across contracts, or juggling a mix of freelance and PAYE, Dave has the experience and know-how to position your case in the best light.
What Makes Dave Different?
- He understands tax returns, accounts, and how underwriters view your income
- He knows which lenders actually support self-employed applicants, not just those that claim to
- He works with you (and your accountant if needed) to ensure everything stacks up clearly
- He anticipates red flags before they come up, often avoiding delays or rejections
- Most importantly, he fights your corner
The Bottom Line?
If you’re self-employed or have income that doesn’t fit the mould, don’t risk your mortgage application being misunderstood or underrepresented. Speak to someone who specialises in complex income, someone who deals with it every day.
For a free chat that could make all the difference, speak to Dave Cockle today.
Because with the right adviser, that “computer says no” could very easily become a “yes.”
